Owner Operators Commercial Truck Insurance Near Me Ocala, Florida
JDW Truckers Insurance can answer your questions regarding Owner Operators Commercial Truck Insurance Near Me Ocala, Florida. We work with the top commercial truck insurance companies and will help you find affordable owner operators truck insurance.
We have a large network of commercial truck insurance companies Ocala, Florida with high AM Best Rating so when JDW Truckers Insurance helps you get your owner operators truck insurance in Ocala, Florida in place you will be insured by a financially stable commercial truck insurance company. This is important for many reasons. Contact JDW Truckers Insurance and our agents will review the reasons owner operators should choose their insurance company wisely. Not all owner operator truck insurance policy are created equally.
We will help you customize your owner operators trucking insurance policy to suit your needs and fit your budget.
From one application we can shop & compare commercial truck insurance rates for the top-rated commercial truck insurance companies for you. We will help you find the required commercial truck insurance coverages at affordable rates.
Here are some of the top 10 commercial truck insurance companies which offer commercial truck insurance quotes.
We know trucking and the commercial trucking insurance requirements
- Knight
- Trisura
- Berkley Prime
- Falls Lake
- Progressive
- Travelers
- Seneca
- Great Lakes
- Allied World
- Allianz
- Ace Hazmat
- ACE Fleet
- United Specialty
- Hudson Fleet
- Markel
- Chubb
- Tokio Marine
- National General
- Lexington
- AIG
- Great American
- ACE / Westchester
- NICO
- National Casualty / Nationwide
- Scottsdale Brokerage
- IAT
- Crum Forster
- Canal
- Northland
- USLI
- James River
- IFG – Burlington
- Penn-America
- Century
- Hallmark
- Carolina Casualty
- Protective
Auto Liability Insurance
- Your auto liability or primary liability will be the major cost for your trucking insurance policy. Although the FMCAS can only require $750,000 in most cases shippers will require $1,000,000 in primary liability insurance coverage before they will allow you to pick up loads.
- Primary liability insurance covers damages to third parties for bodily injury and physical damage to others property in the event of an accident.
Medical Pay
- In most cases this is a low cost add on to your primary liability insurance to cover medical expenses.
PIP – Personal Injury Protection
- Some states require this coverage and, in many cases, can reduce the need for Medical Pay.
- Personal injury protection (PIP), also known as no-fault insurance, covers medical expenses and lost wages of you and your passengers if you’re injured in an accident. PIP coverage protects you regardless of who is at fault.
Uninsured Motorist
- If you’re hit by a driver with no insurance…
- Uninsured motorist bodily injury (UMBI) may pay medical bills for both you and your passengers.
- Uninsured motorist property damage (UMPD) may pay for damage to your vehicle.
Underinsured Motorist
- If you’re hit by a driver with not enough insurance…
- Underinsured motorist bodily injury (UIMBI) may pay medical bills for both you and your passengers
- Underinsured motorist property damage (UIMPD) may pay for damage to your vehicle
Motor Truck Cargo
- MTC or Cargo insurance provides insurance on the freight or commodity hauled by a for-hire trucker. It covers your liability for cargo that is lost or damaged due to causes like fire, collision or striking of a load.
- If your load is accidentally dumped on a roadway or waterway, some cargo forms offer Removal Expenses coverage pays for removing debris or extracting pollutants caused by the debris. And can also pay for costs related to preventing further loss to damaged cargo through Sue and Labor Coverage and legal expenses in the defense or settlement of claims. Another option is Earned Freight Coverage to cover freight charges the customer loses because of an undelivered load.
- Cargo insurance deductibles can be set at $1,000, $2,500, $5,000 or even higher if you are self-insured.
- Cargo coverage limits are normally set at $100,00 but some shippers may have higher requirements depending on the cargo you are hauling.
- Cargo policies can have exclusions stating what cargo it will or will not cover.
Trucking Physical Damage Insurance (PD)
- Physical damage insurance coverages are designed to pay for losses to your equipment and damages to others equipment. (Others equipment must be listed on your policy).
- If you own or lease equipment. You may be required to have PD by bank or leasing company to carry a set amount of physical damage insurance and name them as a Loss Payee.
- PD can also cover damage to others equipment you are in possession of if the coverage is listed on your policy. An example would be non-owned trailer insurance coverage.
- Deductibles for physical damage range from $1,000 to $5,000.
- Required deductibles. If you have a loan on your equipment or it is leased. They bank or leasing company may have a minimum deductible you can have on your physical damage policy.
Excess Liability Insurance
- Excess liability can sometimes be called umbrella insurance.
- The excess liability policy sits on top of your primary liability policy.
- For example, if you have $1,000,000 in primary lability coverage and you have a claim which exceeds the policy limit of $1,000,000. In most cases that is all the insurance carriers will try to pay out for a claim.
- Excess policy coverage starts at $1,000,000 and go up.
- So, let’s say you say you purchased a $1,000,000 excess policy. Now if you have a claim that is $1,500,000. Your primary would pay the first $1,000,000 and your excess would pay the remaining.
General Liability Insurance for Truckers
- General liability insurance for truckers should not be confused with primary liability for truckers.
- Similar to primary liability. General liability offers coverages to pay for physical damage to other and/or bodily injury to others. BUT there is a difference between the two.
- For example, if you are loading or unloading and you cause injury to someone or their property this is when the general liability policy would respond.
- The actions of a driver while representing the insured and on the premises of others, such as loading docks and truck stops
- General Liability is normally offered $1,000,00 per occurrence and $2,000,00 aggregate. What does this mean?
- It the insurance company will pay up to $1,000,000 for any one claim and no more than $2,000,000 per year for the total of all claims.
- General liability can be required by shippers and other companies such as the UIIA and flatbed operations.
- If there is any chance you might be involved in loading or unloading. General Liability is relatively inexpensive and is an advised coverage.
Non-Owned Trailer Insurance vs Trailer Interchange (TI)
- Both are insurance coverages are designed to cover damage to others trailers.
- Deductibles for either can range from $1,000 to $5,000.
- Coverage limits for either can range from $25,000 and up depending on the requirements of the company and/or shipper freight you are hauling for.
The difference between Non-Owned Trailer coverage and Trail Interchange coverage
- Non-owned trailer insurance covers physical damage to the trailer only when attached to a truck. And no written agreement is place.
- Trailer Interchange requires a written trailer interchange agreement to be in place. It can provide protection when you have care, custody and control of one, or many, trailers. Whether the trailer is attached to your truck or not.
Ocala ( oh-KAL-ə) is a city in and the county seat of Marion County, Florida, United States. Located in North Florida, the city’s population was 63,591 as of the 2020 census, making it the 54th-most populated city in Florida. Ocala is the principal city of the Ocala metropolitan area, which had a population of 375,908 in 2020.
Home to over 400 thoroughbred farms and training centers, Ocala was officially named the Horse Capital of the World in 2007. Notable attractions include the Ocala National Forest, Silver Springs State Park, Rainbow Springs State Park, the College of Central Florida, and the World Equestrian Center.
Ocala is located near what is thought to have been the site of Ocale or Ocali, a major Timucua village and chiefdom recorded in the 16th century. The modern city takes its name from the historical village, the name of which is believed to mean “Big Hammock” in the Timucua language. The Spaniard Hernando de Soto’s expedition recorded Ocale in 1539 during his exploration through what is today the southeastern United States. Ocale is not mentioned in later Spanish accounts; it appears to have been abandoned in the wake of de Soto’s attack.
In the late eighteenth and early nineteenth centuries, Creek people and other Native Americans, and free and fugitive African Americans sought refuge in Florida. The Seminole people formed. After foreign colonial rule shifted between Spain and Great Britain and back again, in 1821 the United States acquired the territory of Florida. After warfare to the north, in 1827 the U.S. Army built Fort King near the present site of Ocala as a buffer between the Seminole, who had long occupied the area, and white settlers moving into the region. The fort was an important base during the Second Seminole War and later served in 1844 as the first courthouse for Marion County.
The modern city of Ocala, which was established in 1849, developed around the fort site. Greater Ocala is known as the “Kingdom of the Sun”. Plantations and other agricultural development dependent on slave labor were prevalent in the region. Ocala was an important center of citrus production until the Great Freeze of 1894–1895.
During the Reconstruction era Ocala was represented by several African Americans in the Florida House of Representatives and on the local level.
Rail service reached Ocala in June 1881, encouraging economic development with greater access to markets for produce. Two years later, much of the Ocala downtown area was destroyed by fire on Thanksgiving Day, 1883. The city encouraged rebuilding with brick, granite and steel rather than lumber. By 1888, Ocala was known statewide as “The Brick City”.
In December 1890, the Farmers’ Alliance and Industrial Union, a forerunner of the Populist Party, held its national convention in Ocala. At the convention, the Alliance adopted a platform that would become known as the “Ocala Demands”. This platform included abolition of national banks, promoting low-interest government loans, free and unlimited coinage of silver, reclamation of excess railroad lands by the government, a graduated income tax, and direct election of United States senators. Most of the “Ocala Demands” were to become part of the Populist Party platform.
In the last decades of the twentieth century, the greater Ocala area had one of the highest growth rates in the country for a city its size.
Many historic homes are preserved in Ocala’s large residential Historic District, designated in 1984. East Fort King Street features many excellent examples of Victorian architecture. Ocala structures listed on the National Register of Historic Places include the Coca-Cola Building, the E. C. Smith House, East Hall, the Marion Hotel, Mount Zion A.M.E. Church, the Ritz Historic Inn, and Union Train Station.
The original Fort King site was designated as a National Historic Landmark in 2004.
Ocala is located at 29°11′16″N 82°07′50″W / 29.187704°N 82.130613°W.
According to the United States Census Bureau, the city has a total area of 47.31 square miles (122.5 km), all land. The surrounding farms are famous for their thoroughbred horses, in terrain similar to Kentucky bluegrass. Ocala is also known for nearby Silver Springs, site of one of the largest artesian spring formations in the world and Silver Springs Nature Theme Park, one of the earliest tourist attractions in Florida.
The 110-mile (180 km) long Ocklawaha River passes 10 miles (16 km) east of Ocala, flowing north from Central Florida until it joins the St. Johns River near Palatka.
Marion County is also home to the Ocala National Forest which was established in 1908 and is now the second largest national forest in the state. The Florida Trail, also known as the Florida National Scenic Trail, cuts through Ocala National Forest. Silver Springs State Park was formed as Silver River State Park in 1987, out of land the state purchased around the Silver Springs attraction to spare it from development. The state took over Silver Springs itself in 1993 and incorporated it into the park in 2013.
Ocala has a humid subtropical climate (Cfa), with hot, humid summers and mild winters.
Ocala first appeared in the 1850 U.S. Census, with a total recorded population of 243. Ocala did not report separately in 1860.
As of the 2010 through 2014 census, Ocala was 63.3% non Hispanic white, 20.4% African American, 11.7% Hispanic or Latino, 2.6% Asian, 2% all other. As of the census of 2000, there were 45,943 people, 18,646 households, and 11,280 families residing in the city. The population density was 1,189.2 inhabitants per square mile (459.2/km). There were 20,501 housing units at an average density of 530.7 per square mile (204.9/km). The racial makeup of the city was 72.9% White, 22.1% African American, 0.4% Native American, 1.2% Asian, <0.1% Pacific Islander, 1.8% from other races, and 1.6% from two or more races. Hispanic or Latino of any race were 5.7% of the population.
There were 18,646 households. 40.9% were married couples living together, 15.9% had a female householder with no husband present, and 39.5% were non-families. 33.0% of all households were made up of individuals, and 15.0% had someone living alone who was 65 years of age or older. The average household size was 2.29 and the average family size was 2.91.
In the city the population was spread out, with 23.2% under the age of 18, 9.3% from 18 to 24, 26.2% from 25 to 44, 20.9% from 45 to 64, and 20.4% who were 65 years of age or older. The median age was 39 years. For every 100 females, there were 89.7 males. For every 100 females age 18 and over, there were 85.5 males.
The median income for a household in the city was $30,888, and the median income for a family was $38,190. Males had a median income of $29,739 versus $24,367 for females. The per capita income for the city was $18,021. About 13.2% of families and 18.1% of the population were below the poverty line, including 28.6% of those under age 18 and 9.8% of those age 65 or over.
Ocala is the headquarters of Emergency One, a worldwide designer and manufacturer of fire rescue vehicles.
According to Ocala’s 2019 Comprehensive Annual Financial Report, the top employers in the city are:
The first thoroughbred horse farm in Florida was developed in Marion County in 1943 by Carl G. Rose. Other farms were developed, making Ocala the center of a horse-breeding area. Local horses have won individual races of the Triple Crown series; in 1978, Affirmed, who was bred and trained in Marion County, won all three races, boosting interest in the industry there.
Ocala is one of only five cities (four in the US and one in France) permitted under Chamber of Commerce guidelines to use the title, “Horse Capital of the World”, based on annual revenue produced by the horse industry. 44,000 jobs are sustained by breeding, training, and related support of the equine industry, which generates over $2.2 billion in annual revenue. Postime Farms and Ocala serve as host to one of the largest horse shows in the country: H.I.T.S or “Horses in the Sun”, a Dressage/Jumper event lasting about two months. It generates some 6 to 7 million dollars for the local Marion County economy each year. The show features classes for over 100 different breeds, including Tennessee Walker, Paso Fino, Morgan horse, Saddlebred, Draft horse and the American Quarter Horse. Other equine events in the area include mounted shooting by the Florida Outlaws, as well as endurance rides, barrel races, extreme cowboy events, jumper shows, trick shows, parades, draft pulls, rodeo events and more.
Ocala is governed by a five-member board of councillors and a mayor, all of which are elected on a nonpartisan basis. It has a council-manager form of government, relying on a manager hired by the city. The mayor sets policy but has few powers other than vetoing legislation passed by the council and tending to some duties involving the police department. The current mayor is Kent Guinn. The city manager handles most administrative and financial matters.
A number of county offices are housed at the McPherson Governmental Complex.
As of 2020, Republicans outnumber Democrats in Marion County, 112,000 to 80,000. In the 2008 presidential election, John McCain carried both the city and the county, the latter by a landslide, although Florida as a whole voted for Democrat Barack Obama by a narrow margin.
The public schools in Ocala are run by the Marion County School Board. There are 30 elementary, ten middle and ten public high schools in Marion County, which include the following schools in Ocala:
Ocala is home to the College of Central Florida, a member of the Florida College System, accredited by the Southern Association of Colleges and Schools Commission on Colleges. CF offers bachelor’s degrees in Business and Organizational Management, Early Childhood Education, and Nursing, as well as associate degrees and certificates. The college offers specialty programs in equine studies, agribusiness, and logistics and supply chain management. It also has one of 21 campuses of Rasmussen College, a Higher Learning Commission regionally accredited post secondary institution. Webster University offers on-site, regionally accredited graduate degree programs in business and counseling at their Ocala Metropolitan Campus.
Three of the eight libraries in the Marion County Public Library System are located in Ocala. Those three libraries are:
Several major highways pass through Ocala, including Interstate 75, U.S. Highway 27, U.S. Route 301, and U.S. Highway 441. Ocala was on the western leg of the historic Dixie Highway.
Ocala International Airport provides general aviation services to the community. Ocala Suntran provides bus service throughout select parts of the city. One of the major hubs for Suntran is the former Ocala Union Station, which served Amtrak trains until November 2004. Amtrak serves Ocala by bus connection to Jacksonville and Lakeland.
Ocala is also served by Greyhound Bus Lines. Marion Transit is the complementary ADA paratransit service for SunTran the fixed route in the City of Ocala. Marion Transit was established in 1976 and operates paratransit buses providing public transportation throughout Marion County for the Transportation Disadvantaged population.
Hospitals in Ocala include: AdventHealth Ocala, HCA Florida Ocala Hospital and HCA Florida West Marion Hospital.
Ocala has two sister cities:
Small Fleet Commercial Truck Insurance
Small fleet truck insurance encompasses a large portion commercial truck insurance policies that are written for truckers. You need an agent that understands these markets.
We will explain your options in detail. We answer your questions. How many trucks can I grow to? Can I add and remove trucks? How fast can I swap trucks? Can I have owner operators leased on? How fast can I get a COI?
Small fleet truck insurance pricing starts at 3 trucks. We work with 20 plus commercial truck insurance companies to help you find the best commercial truck insurance rates. Our carriers have high AM Best Ratings.
GET SMALL FLEET TRUCK INSURANCE QUOTES HERE
UIIA Insurance
No matter if you are a seasoned trucking operation hauling UIIA intermodal or you are looking to expand the cargo you are hauling. We have markets to help you either way.
Does your policy have the CA 2317 endorsement? What chassis pools are your working with? If you work with an EP that in not on the UIIA EP list. How is this handled? For example, Direct Chassis. Does your trailer interchange offer the same coverage as non-owned trailer coverage? Do you have the correct blanket AI and WOS endorsements? Do I need workers compensation? Can I work ports and rails? Is there a radius limit? You do not want to buy a commercial truck insurance policy only to find out it will not offer the correct UIIA coverages. Your agent should have a network of commercial truck insurance companies who offer the correct UIIA endorsements on your policy?
New Authority Truck Insurance Quotes
Shopping for the Best Trucking Insurance for New Authority can be task that never seems to end. You get phone call after phone call. And in many cases each agent you speak with may have a different story concerning what type of coverages you need and what is a good price. Chances are most new authorities shop for the best price. You want the least expensive but buying based upon price only could cost you more money in the long run. What if you buy insurance for your new authority based upon price only? Then find out shortly after you have paid your deposit and your policy is in place. The agent who sold you this policy did not tell you the restrictions your commercial truck insurance company has in place. They may not offer coverage for certain types of cargo or may restrict your growth. There are many pitfalls for buying just based upon price. It is good to shop and compare quotes, but do it based upon price and the know the restrictions that maybe enforced by the carrier. Not knowing these restrictions could get your policy cancelled. Or you may have to cancel the policy yourself to get insurance coverage with another carrier. Either way this could put you back to ground zero and cost you money. Talk with an agent at JDW Truckers Insurance who will help you shop for the best price with the correct coverages.